Skip to main content

Mobile Banking

FirstOntario’s mobile banking app gives you the flexibility to bank anytime, anywhere.

Download the FirstOntario app now

Then log in and you’ll be ready to go.

Access your bank accounts on the go.

The FirstOntario mobile banking app i­s a secure and convenient way to stay on top of your everyday banking on your smartphone or tablet. Here are a few things you can take care of through our app:

Move money with Interac e-Transfer®

Send, request and arrange for money to be automatically deposited into your account.

Deposit Anywhere​™

Deposit a cheque in less than a minute simply by taking a picture with your phone.

Pay bills online

Set up and manage your bill payees so you can make quick and easy payments. 

What do you think about this page? Send us your feedback

Forget about business hours

Go mobile and enjoy endless banking options. Bank on the go in real time, when you have time. No need to rush anywhere when everything is right at your fingertips. 

Automate transfers and payments

Easily set up recurring transfers and bill payments. 

Check balances and account activity

Just tap to view a quick summary of all your account transactions.

Transfer funds

Move money between your FirstOntario accounts in no time. 

Find your nearest branch/ATM

Access more than 3,700 surcharge-free ATMs through THE EXCHANGE Network. 

View our great rates

Simply scroll down to check out all of our current rates that are available now. 

Download the FirstOntario app now

What do you think about this page? Send us your feedback

Need help?

Visit our help section to get more support

​​​Are there fees and limits for Interac e-Transfers®?

There will be a service fee of $1.50 for each Interac e-Transfer sent (there is no fee to receive one). This feature is available for personal and business accounts.

Please see below for transaction limits:

Interac e-TransfersLimit
Maximum sending transaction limit$3,000
Maximum sending limit per day$10,000
Maximum sending limit per week$10,000
Maximum sending limit per month$20,000
Maximum incoming limit per week$70,000
Maximum incoming limit per transaction$10,000
Maximum incoming limit per day$10,000
Maximum incoming limit per month$300,000
Minimum incoming limit per transaction$0


​​​How do I complete an Interac e-Transfer®?

All you and the recipient/sender need to get started is an email address or mobile telephone number and a Canadian deposit account with access to online banking.

Sending an Interac e-Transfer 

  1. Log in to online banking. If you haven’t set up your online banking yet, call us at 1-800-616-8878 or visit your local branch to get started and to receive your Personal Access Code (PAC).  
  2. Click on “Transfers” on the menu on the left, then select Send Interac e-Transfer.  
  3. Set up your profile by filling out the fields as indicated.  
  4. Click on “Add Recipients”. Enter the name and email address or mobile telephone number of the person who you will be sending the money to. Once you have added these details, they will be stored on the Recipients list, you will not have to enter in the same information again.  
  5. Create a security question and answer that only the sender and receiver will know. The receiver will have to enter the answer to the security question in order to access the e-Transfer. If it's a friend, for example, the question might be: "What is the name of your dog?"

    For security reasons, the message field which enables you to leave a note for your recipient, must not contain the answer to your security question.  
  6. Select your recipient from the dropdown list on the Send Interac e-Transfer page. Indicate the amount you'd like to send.

Your account will be debited the amount you have sent as well as a $1.50 fee once you click Send Transfer.

Receiving an Interac e-Transfer 

You will be notified by email and/or text that an Interac e-Transfer has been sent to you.

From your computer or a smartphone, open the email or text and you will be walked through a simple, user-friendly interface that leads to your own financial institution's online banking, where you will deposit the funds to the account of your choice after correctly answering the security question set up by the sender.

Can I change my Personal Access Code (PAC) that I use to log into online and mobile banking?

Yes. Log in to online banking and click on Profile and Preferences under the Account Services section. There you will be able to change your Personal Access Code. First, enter your current PAC, then enter your new PAC and verify it by entering it again. A safe access code consists of eight characters and combines letters and numbers.

Please note – if you forget your password or if you are locked out of your online account, you will have to call our Members Solutions Centre at 1-800-616-8878 or visit your branch to reset your PAC.